Chase Sapphire Preferred® Card

The following table shows the features, rates, and other key data for the Chase Sapphire Preferred® Card offer in Chase offers. These terms are updated on a daily basis by the CreditCards.org database. If you wish to apply for the card, you may do so securely on its official website by clicking the Apply Now button below:
Chase Sapphire Preferred® Card Apply Now
  • Earn 40,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $500 in travel when you redeem through Chase Ultimate RewardsSM
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening.
  • 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
  • No foreign transaction fees, plus Chip and Signature enabled for international travel.
  • 1:1 point transfer to leading frequent travel programs at full value – that means 1,000 Ultimate Rewards points equal 1,000 partner miles/points.
  • 24/7 direct access to dedicated customer service specialists
  • Introductory Annual Fee of $0 the first year, then $95
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727
average
645
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
N/A N/A 15.99%* Variable Introductory Annual Fee of $0 the first year, then $95* Excellent Credit*
Intro APR Purchases N/A*
Intro APR Balance Transfer N/A*
Regular APR 15.99% Variable*
Annual Fee Introductory Annual Fee of $0 the first year, then $95*
Credit Needed Excellent Credit*

Credit Score Needed

Chase Sapphire Preferred® Card is generally for people with Excellent Credit, though other factors besides credit score can also determine whether a particular application is accepted. See more Chase offers.

Most Helpful User Review

Commented at Oct 17, 2012

I applied back in March and was denied due to not having another CC with a similar credit limit of the $5000 minimum on the Sapphire Preferred. Back then my FICOs were EQ704 and TU709. After 6 months of working on my credit and getting new cards with larger limits, and getting increases on current cards, I applied last week and was approved!! I was approved with FICOs of EX715, EQ729. My AAoA is 3+ years, utilization of 1%, and my other CLs were $4250, $4000 and 2 $1250. They instantly approved me for $5000! Called the regular customer service number and had them overnight it to me for Friday because I wanted to book a trip. It didn't end up arriving. Ended up calling the Sapphire specific line and had them overnight it to me for Monday. I did receive it Monday but not at my business address as I had requested. O well, atleast it wasn't stolen out of my mail box(I live on a busy street)

So far I love it. It's a beautiful card, and has some heft to it. I've already received many compliments on it. The 40,000 bonus points(after spending $3k) surely doesn't hurt as I have already almost reached $2k spending on it.

Booking flights through Ultimate Rewards mall isn't cheaper in my experience. It does give you 3 points/dollar. But you can book through another travel website via a link on the site, and it will give you 4points/dollar, and its cheaper.

This card gives you 2 points/dollar when spent on travel(including taxis and tolls), 7% dividend on points earned in the year, no forex fees. Also if you have the Chase Trifecta(a chase checking account and the Freedom cards) the rewards really start adding up!

Review by SwiftTone

User Reviews

Average Rating: 9.2 out of 10 based on 289 user ratings.
Commented at Nov 20, 2014

I chose this card because it was recommended by a friend who has the whole credit card reward programs down to a science.

Application was deceivingly easy... had to go back because I thought I must have missed an entire section, but nope... its very short and to the point.  Quick and easy approval.  Have been re-building my credit from a mid-500's to currently mid-700's with a good income... instant approval with a $32k limit.

Review by Anonymous
Commented at Nov 19, 2014

We own a small business that is just my family. We travel a good bit and the rewards are excellent. You receive 20% off when you use your ultimate rewards on the chase sight. I have nothing but good things to say, and I don't even use all the concierge features.

Review by lemonmerrengue
Commented at Nov 18, 2014

do not get it!!

Review by Anonymous
Commented at Nov 12, 2014

After years if being stuck with secured cards w/ low limits I finally got approved for the Chase Sapphire Preffered with a 10k CL - credit score is improving (current range between TU EX & EQ 680 to 702)  with 15 inquiries & no missed or late payments for  over 3 years. With a great look & feel easily my favorite card

Review by Anonymous
Commented at Nov 12, 2014

My Credit Karma's score is 717,  my FICO with Discover is 664 - 9 Hard inquiries just this year (6 went thru) and I got instantly approved with 19,000 CL. simontanously with Amex Everyday No Fee version (2,500 CL- applied at the same time). 

Review by Anonymous

Credit Limit

If approved for the card, the issuer will notify you of the credit limit on your card. Please see the Chase Sapphire Preferred® Card for complete terms, conditions, and details of the offer.

+ This information is provided through a relationship with CreditKarma.com. Credit Karma members have received approvals with these TransUnion New Account credit scores. Please note that because other factors may affect credit card approval, these approval metrics are only guidelines and approval is not guaranteed.